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North Dakota Car Insurance Regulations & Required Coverage

North Dakota allows a few different ways to establish financial responsibility but most drivers do so by obtaining car insurance. Those that do not run the risk of fines and lose of driving privileges. Required coverage in North Dakota and specific laws vary from other states so its worth staying up to date on them. Being a no fault state, North Dakota insurance law mandates that after an accident, each driver's insurance company is responsible for paying for the damages of the insured. The driver's right to sue is also limited in a no fault state but receiving compensation from insurance companies is usually quicker. Required Coverage All personal vehicles in North Dakota require the following liability coverage requirements:
  • Bodily Injury
  • Property Damage
The state also requires:
  • Uninsured/Underinsured Motorist Bodily Injury
  • Personal Injury Protection (PIP)
Minimum North Dakota Car Insurance Requirements Bodily Injury Liability $25,000 / $50,000 Limit Property Damage Liability $25,000 Limit Uninsured/Underinsured Bodily Injury $25,000 / $50,000 Limit Personal Injury Protection $30,000 Limit Additional insurance coverage can include:
  • Comprehensive and Collision Coverage
Comprehensive and collision coverage are usually sold together. Comprehensive pays for non-collision related incidents such as fire damage or if your vehicle is stolen. A list of the most stolen vehicles in North Dakota can give you an immediate idea if this coverage would be useful. Collision pays for repairs or replacement of your vehicle after it's sustained damage from an accident. Proof of Insurance and Financial Responsibility Establishing proof of insurance and financial responsibility
  • Get a standard liability car insurance policy
  • Apply with the Automobile Insurance Plan
  • Self insurance - must have 25 or more vehicles insured
Required Documentation In order to provide proof of insurance, you can provide one of the following:
  • Insurance ID card
  • Letter certifying that you're covered under the North Dakota Automobile Insurance Plan
  • Certificate of self insurance
You must maintain proof of insurance and financial responsibility:
  • When asked by a police officer
  • After an accident
  • When registering your vehicle
  • Anytime you drive your vehicle
Failure to Maintain Financial Responsibility Penalties If you are not able to show proof of insurance, you can face the following penalties:
  • Fine of $150
  • Have your vehicle impounded until proof of insurance is shown (for subsequent offenses)
  • If involved in an accident with no insurance, 14 points will be added to your driver's license resulting in an automatic suspension
North Dakota Insurance AgentsFargo Car Insurance | Bismarck Car Insurance | Grand Forks Car Insurance | Minot Car Insurance | West Fargo Car Insurance